The Odyssey Gold Visa is essentially a travel insurance policy with a rewards card attached; its 60-day coverage outclasses most premium cards, even if the earning rates are modest.
At a glance
Annual fee
$110
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.9%
Rewards & earn rates
Restaurants2% in BONUSDOLLARS on the first $6,000 in annual restaurant purchases, then 0.65%
2x
Entertainment
2x
Alternative transportation
2x
Pre-authorized payments2% on the first $6,000 in annual pre-authorized payments, then 0.65%
2x
Travel2% on the first $15,000 in annual travel purchases, then 0.65%
2x
All other purchases
0.65x
Pros & cons
Pros
Excellent 60-day comprehensive travel insurance, rare at this fee level
2% earn across dining, entertainment, transit, travel and recurring bills
Cons
Weak 0.65% base earn rate
BONUSDOLLARS are only redeemable within the Desjardins ecosystem
Perks & insurance
Key perks
Comprehensive travel insurance for trips up to 60 consecutive days
50% off entry to the Desjardins Odyssey Lounge at Montreal-Trudeau airport
Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
Mobile device insurance up to $1,000
Intergenerational travel coverage for grandchildren travelling with you
Insurance
Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
Trip cancellation ($2,500 before departure, unlimited after departure)
Baggage insurance up to $1,000 per person
Auto rental collision/loss damage (up to 48 days)
Mobile device insurance up to $1,000
Purchase protection (90 days) and extended warranty (+1 year)
Rates & fees
Annual fee
$110
Purchase interest
20.9%
Cash advance
21.9%
Foreign transactions
2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
